After the credit card is canceled, the points are managed by the bank, so the points will still be retained after the credit card is canceled. However, different banks may have different regulations. You need to contact the bank’s customer service to inquire about the rules for using points.

In addition, frequent loan applications or operations will increase your personal credit risk, making your application more likely to be rejected. You can learn about your personal credit risk index by using "Xiaoqi Xincha". The higher the risk score, the easier it is for your application to be rejected. Therefore, before applying for a credit card, make sure your credit is in good standing.